Getting baby to bed/bedtime routine

My 3 month old struggles to be put to bed. We started a bedtime routine for about a month now but can’t get our timing right. Last night I started her routine at about 8pm. We did bath, diaper and jammies, breastfed, book, then rocked. She yawned and sometimes closed her eyes but I could not get her to actually sleep until 11. She takes about 4-5 naps a day. I basically am never able to get her to sleep until around 10 each night. I don’t understand when I see sample baby schedules that have baby going to bed at like 7:30. How?! I need to be able to get her on a somewhat regular schedule because I will be going back to work soon. Help!